When you apply for a facility with TRIVER, we do not perform a hard credit check during the application stage. Instead, we carry out a soft credit search through Experian to help us verify your business details, assess key parties (such as directors), and determine initial eligibility. This soft search has no impact on your business credit score and is not visible to other lenders.
However, if your application is approved, once you accept our Terms & Conditions, a hard credit check will be performed at that point. This is a standard requirement for regulated credit products and allows us to report facility usage to credit bureaus in accordance with industry guidelines.